Understanding of The Customers’ Perception on Islamic Banking and Financial Services in Malaysia

The main objectives: The main objectives of this study are to delve customers’ knowledge and perception of Islamic banking financial products and services. Background Problem: The background problem is lack of awareness and understanding of the Islamic finance industry is a major challenge for clients, investors, and other stakeholders. Islamic Banking and Finance (IBF) is a booming sector in the financial industry. However, it is still at a developing stage in the economy. Clients awareness is a crucial step to attain its business and social-welfare objectives by abiding by Islamic commercial law. Research Methodology: The research methodology implemented was empirical/inductive. A survey via questionnaire was conducted on 135 banking clients via questionnaires; a comparison between Bank Islam Malaysia Berhad (BIMB) and non-BIMB clients was exemplified using mean and T-test statistics, on their level of knowledge and understanding of the different principles, products, and services of IBF. Results and Findings: Results and findings have inferred that there is not much significant difference in their level of knowledge and understanding. Then it was examined whether there was a significant relationship between the knowledge of the clients and their preference for IBF services. Research Contribution: The contribution of this study can help the Islamic banking industry gain insight into the current level of understanding of IBF products and services among the clients. Conclusion: The conclusion of the study indicates that there must be more attempts to educate clients and other stakeholders of the Islamic banking industry.  Finally, it was also concluded that the clients have a better perception of the prospect of the IBF industry in Malaysia, despite it being at a developing stage

Effects of extraction system on antioxidant attributes of mungbean [Vigna radiata (L.) Wilczek]

The effects of three extraction techniques (shaking, soaking, and stirring) and two solvents (80% methanol and 80% ethanol) on the antioxidant attributes of extracts from seeds of mungbean have been investigated. The yield of mungbean extracts varied between 6.90 and 9.65 g/100 g of dry matter. Mungbean extracts contained a considerable amount of phenolics (0.78–1.12 g GAE/100 g) and flavonoids (1.23–1.78 g CE/100 g). An appreciable level of reducing power (1.46–2.18) at 10 mg/mL extract concentration, inhibition of linoleic acid peroxidation (85.2–90.4%), and DPPH radical scavenging activity (IC50 value 16.4–42.9 μg/mL) were also documented. Overall, the efficacy of an extraction system in isolating potent antioxidant components from mungbean seeds followed the order: shaking, 80% methanol > shaking, 80% ethanol > stirring, 80% methanol > stirring, 80% ethanol > soaking, 80% ethanol > soaking, 80% methanol. The yield and antioxidant activity of the mungbean extracts varied significantly (p < 0.05) as function of extraction techniques and solvents employed

PASSIVE ADAPTATIONS IN THE URBAN SOCIETIES OF BANGLADESH CONSIDERING KITCHEN AREA

Residence carries cultural information through its structure and activity. The kitchen, an indispensable part of a residence is used to cook food and food is the presenter of a country’s habit and nature. This study is an attempt to investigate the transformation of the spatial organization of kitchen area considering Dhaka, Bangladesh residences. The study is based on primary data collected from different types of apartments in Dhaka City. Thirty households were surveyed using a structured questionnaire to investigate the kitchen activities, workable space, comfort while working in the kitchen. The study has institute that once upon a time, kitchen was useful for different activities and it was given equal importance while designing the living rooms or bedrooms. But slowly kitchen has become one of the most hazardous space in a residence, in the context of Dhaka and the situation are getting worse. The outcome of the study is expected to raise awareness on setting, design of kitchen area appropriately among architects & planners

BASIL (Ocimum sanctum L.) aromatic medicinal plant: a review

Ocimum sanctum (Basil; Tulssi) is important traditional herb and used for therapeutic purposeall over the world. It has been used in traditional medicine from 3000 years, because of itsmiraculous healing properties. In India it is consider as the holiest herb. It is considered asassign of goddness in Hinduism. Each part of this plant is worshipped in India. It is used innumerous ailments such as insomnia, malaria, skin and digestive disorders, diarrhoea and alsoused in cough, cold and flu. Studies revealed its antifungal, antiviral, analgesic,bronchodilators, anti-asthmatic and anti-oxidant activites. Volatile oil, eugenol, urosolic acid,linalool, carvacrol, limatrol, sesquiterpene, methyl eugenol, estragole and caryophyllene arephytoconstituents present in Ocimum sanctum

Potencial antioxidante de extractos de residuos agroalimentarios: estabilización de aceite de maíz

The antioxidant potential of 80% methanolic extracts of some agro wastes (pomegranate peel, apple peel, banana peel, citrus peel, corncob, wheat husk, wheat bran, rice bran, and rice hull) was assessed. The yields of the extracts varied over a wide range (8.83 to 29.9 g/100g of dry weight). TPC, TFC, total flavonols (kaempeferol, quercetin, myricetin; HPLC method), DPPH. radical scavenging and inhibition of linoleic acid peroxidation for the extracts varied significantly (P < 0.05) ranging from 0.16-36.40, 0.026-4.89 g/100g of dry matter, 1.06-2622.41 mg/Kg of dry matter, 11.2-52.6, and 64.8-96.4%, respectively. Pomegranate peel extract, offering the highest TPC, TFC, and total flavonols exhibited superior antioxidant activity followed by apple peel, citrus peel, banana peel, corncob, wheat bran, rice bran, wheat husk, and rice hull. Furthermore, the antioxidant effectiveness of the extracts was assessed using corn oil (CO) as the oxidation substrate. CO samples stabilized with extracts at a concentration of 600 ppm (w/w) were subjected to accelerated aging (60 ºC, oven heating, 30 days; 8 h heating cycle per day), and analyzed periodically for the extent of oxidative alterations following the measurement of conjugated dienes (CD), conjugated trienes (CT), p-anisidine and peroxide values. The correlation between the results of different antioxidant assays and oxidation parameters investigated in the present study indicated that fruit peel extracts, exhibiting higher TPC, TFC, flavonol and scavenging power, were also more potent for enhancing the oxidative stability of corn oil.En este studio se determinó el potencial antioxidante de extractos de methanol al 80%, de distintos resíduos de granada, manzana, frutos cítricos, maíz, trigo y arroz. Los rendimientos de los extractos variaron en un amplio rango (8.89 a 29.9 g/100 g de materia seca). La cantidad total de compuestos fenólicos, de flavonoides y de flavonoles, así como la capacidad para secuestrar radicales y la inhibición de la oxidación del ácido linoleico varió significativamente (P < 0.05). El extracto de piel de granada contenía las cantidades más elevadas de compuestos fenólicos, de flavonoides y de flavonoles y exhibió la capacidad antioxidante más elevada, seguido del de piel de manzana, piel de cítricos, piel de plátano, mazorca de maíz, salvado de trigo, salvado de arroz, cáscara de trigo y cáscara de arroz. Igualmente, se estableció la actividad antioxidante de los extractos usando aceite de maíz como sustrato. Muestras de aceite estabilizadas con los distintos extractos (600 mg/kg) fueron sometidas a oxidación acelerada (60 °C en horno durante 30 días con ciclos de calentamiento de 8 h/día) y periódicamente se determinaron los siguientes índices: dienos y trienos conjugados, índice de panisidina e índice de peróxidos. Finalmente, se estudiaron las correlaciones entre los resultados de los distintos ensayos y los niveles de compuestos con acción antioxidante, destacando los extractos de pieles de fruta por su mayor contenido en compuestos fenólicos, flavonoides y flavonoles, e igualmente por su potencia para aumentar la estabilidad oxidativa del aceite de maíz

Evaluation of semisolid agar method for antifungal susceptibility test of T. rubrum

Background: With increasing fungal disease many newer antifungal drugs are available with different spectrum of activ­ity. Antifungal susceptibility test will help clinicians for selection of effective drug and thereby treatment of patient. Objective: The study was undertaken to perform a simple screening drug susceptibility test of T. rnbrum by Semi Solid Agar Antifungal Susceptibility (SAAS) Method: Perfonnance of susceptibility method was assessed by comparing the MICs of three commonly prescribed antifungal agents namely- tluconazole (FCZ), itraconazole (ITZ) and terbinafine (TER) to the CLSI (Clinical and Laboratory Standard Institute) recommended M-38, a broth microdilution method. Results: In SAAS method, among twenty nine T. rubrum, twenty five (86.2%) were susceptible (MIC range 0.5-64 µg/ml) to Fluconazole (FCZ) and four (13.7%) were resistant (MIC value &gt;64 µg/ml). In broth microdilution method, among twenty nine T. rubrum, twenty six (89.6%) were susceptible (MIC range 0.3-64 µg/ml) to FCZ and three (10.3%) were resistant (MIC value &gt;64 µg/ml). In case of both ITZ and TER, all were susceptible (MIC range 0.3-64 µg/ml) to both methods. The SAAS method demonstrated the susceptibility pattern of T. rubrum against FCZ, ITZ and TER usually within 72 to 96 hours after organism isolation and results were concordance with the results of CLSI broth microdilution method. Conclusion: Though it is a newer method with proper standardization of the test method, SAAS method is simple and easily applicable screening method for susceptibility testing of antifungal agents against dermatophytes in any microbiology laboratories

Biotechnological Interventions for the Improvement of Sugarcane Crop and Sugar Production

Sugarcane, not only fulfills 70% of world sugar needs but is also a prime potential source of bioethanol. It is majorly grown in tropical and subtropical regions. Researchers have improved this grass to great extent and have developed energy cane with ability to accumulate up to 18% sucrose in its Culm. Improvement of this crop is impeded by its complex genome, low fertility, long production cycle and susceptibility to various biotic and abiotic stresses. Biotechnological interventions hold great promise to address these impediments paving way to get improved sugarcane crop. Further, being vegetatively propagated in most of the agroecological regions, it has become more attractive plant to work with. This chapter highlights, how advanced knowledge of omics (genomics, transcriptomics, proteomics and metabolomics) can be employed to improve sugarcane crop. In addition, potential role of in vitro techniques and transgenic technology has also been discussed for developing improved sugarcane clones with enhanced sugar recovery

Pharmacological evaluation of Vernonia elaeagnifolia (Asteraceae) leaves in hyperlipidemic albino rabbits

Purpose: To evaluate the antihyperlipidemic efficacy and phytochemical constituents of Vernonia elaeagnifolia aqueous leaf extract.Method: Qualitative phytochemical analysis of V. elaeagnifolia leaves was performed. Thirty healthy albino rabbits were divided into six groups (n = 6). Cholesterol powder (0.5 g/kg) in 10 mL coconut oil (vehicle) was given orally to induce hyperlipidemia. The aqueous leaf extract of Vernonia elaeagnifolia was administered at 250 mg/kg and 500 mg/kg per oral. Lipid profile, hepatic enzymes and oxidative stress markers were evaluated.Results: Phytochemical screening indicated the presence of tannins, proteins, flavonoids, phenols, alkaloids and saponins. Oral administration of cholesterol powder significantly (p &lt; 0.05) raised the level of serum total cholesterol (TC), low-density lipoprotein cholesterol (LDL-c) and triglyceride (TG) along with significant (p &lt; 0.05) decrease in serum concentration of high-density lipoprotein cholesterol (HDLc). Concentration of serum TC, LDL-c, TG and liver enzymes was significantly reduced in V. elaeagnifolia-treated groups. The levels of oxidative stress markers were restored to normal when the animals were treated with V. elaeagnifolia leaf extract; increased levels of antioxidant enzymes were observed.Conclusion: The aqueous leaf extract of V. elaeagnifolia possesses antihyperlipidemic and antioxidant potentials that are dose-dependent. However, further studies are required to develop the plant for therapeutic applications.Keywords: Hyperlipidemia, Oxidative stress markers, Cholesterol, Vernonia elaeagnifoli

Determination of Alpha-i Antitrypsin Genetic Deficiency in Duodenal Ulcer by Polymerase Chain Reaction

Objective: To confirm alpha-I-AT deficiency status in duodenal ulcer using a combination of PCR and restricted enzyme digestion. Methods: Fifty patients with endoscopically proven duodenal ulcer and hundred controls with no signs of the disease were included. Alpha-i-AT phenotypes were confirmed by polymerase chain reaction followed by restriction enzyme digestion. Results:Alpha-I-AT concentration in duodenal ulcer patients showed a mean value of 2.12 ± 0.11g/1 (range: 0.52-3.95 g/1, p Conclusion: Alpha-1 AT deficiency was found in 10% of duodenal ulcer patients. DNA analysis more accurately resolved the phenotypes as S and Z mutations (JPMA 52:545; 2002)

Expression of the androgen receptor, pAkt, and pPTEN in breast cancer and their potential in prognostication

BACKGROUND: Importance of androgen receptor (AR) as an independent prognostic marker in Pakistani women with breast cancer (BCa) remains unexplored. Our aim was to identify the expression and potential prognostic value of AR, its upstream regulator (pAkt) and target gene (pPTEN) in invasive BCa. METHODS: This study used a cohort of 200 Pakistani women with invasive BCa diagnosed during 2002-2011. Expression of AR, pAkt and pPTEN was determined on formalin fixed paraffin embedded tissue sections by immunohistochemistry. The association of AR, pAkt and pPTEN with clinicopathological parameters was determined. Survival analyses were undertaken on patients with ≥ 5 years of follow-up (n = 82). RESULTS: Expression of AR, pAkt and pPTEN was observed in 47.5%, 81.3% and 50.6% of patients, respectively. AR-expressing tumors were low or intermediate in grade (P \u3c .001) and expressed ER (P = .002) and PR (P = .001). Patients with AR+ tumors had significantly higher OS (Mean OS = 10.2 ± 0.465 years) compared to patients with AR− tumors (Mean OS = 5.8 ± 0.348 years) (P = .047). Furthermore, AR-positivity was associated with improved OS in patients receiving endocrine therapy (P = .020). Patients with AR+ /pAkt+ /pPTEN− tumors, had increased OS (Mean OS = 7.1 ± 0.535 years) compared to patients with AR−/pAkt+/pPTEN− tumors (Mean OS = 5.1 ± 0.738 years). CONCLUSION: AR-expressing tumors are frequently characterized by low or intermediate grade tumors, expressing ER and PR. In addition, expression of AR, pAkt and pPTEN, could be considered in prognostication of patients with invasive BCa